I'd say it is almost impossible not to have transference because our brain is trying to fit this "new" person (our therapist) into our life/schema of things? So, we compare them to others we already know.

My father didn't like psychiatrists; I knew that as an adult but didn't know why. He'd make fun of them, tell the joke/story of the one psychiatrist greeting the other:

1st PDoc: "Good morning!"
2nd PDoc: I wonder what he means by that.

I then learned that when my mother first started experiencing her brain tumor, back in about 1948, doesn't didn't know very much about the head/brain and her grand mal seizures and other behaviors were thought to be psychosomatic! So, she was sent to a psychiatrist instead of a neurologist! Because they didn't operate or have any way to figure out what was wrong, it got to be 1952 and too late (her tumor wasn't operable anyway, couldn't have been cured even today) to do anything for her. But that they were so ignorant and blamed her marriage/upbringing, whatever instead of seeing she had a physical problem did not endear my father to those psychiatrists so that even 25-30 years later when things were different, he still thought poorly about psychiatrists because of his life's experience. I think we all do that so we get to be grown and still see many things the way we started out seeing them. That's all transference is to me. We get someone who listens and cares for us like a T does and what we see in a Mother or Father or husband/wife, etc. happens.