Here are a few ideas for you to consider:
1. Make sure that you do not solve the flow model and transport model with the same IMS. The GWF Model should be solved separately from the GWT Model, meaning that you should activate two different solvers. It looks like you may be doing this, but it's hard to tell from the code snippet that you posted. We recently implemented a check in MODFLOW 6 to ensure this is the case. The nightly build version of MODFLOW 6 is available here:
https://github.com/MODFLOW-USGS/modflow6-nightly-build/releases/tag/20220725. It will contain this check.
2. It's helpful to understand why the model does not converged. Is the model not converging because of inner iterations or outer iterations? For non-linear problems, such as those with water table conditions, there can be oscillations in one or more cells that make convergence difficult. In these cases, there are certain solver settings that can help, such as under relaxation and backtracking, though these should be tried only after other options have not worked.
3. My recommendation is to turn off the complexity='COMPLEX' option, and instead activate solver settings as needed based on the convergence behavior. Start with the simplest solver settings possible. Make sure that outer_dvclose, inner_dvclose, and rcloserecord are reasonable for your problem. Your convergence tolerance values are pretty small. How big do they need to be before the model converges? Is the mass balance for flow and transport okay with larger values?
4. We have found that convergence can be very sensitivity to the relaxation factor. 0.97 has been a fairly reliable value for many problems, but in some cases we've found that 0.0 or 1.0 may also work well.
5. If your flow model is steady state and uses the Newton formulation, then you may try shutting off the pseudo-transient continuation (PTC), by specifying the NO_PTC option.
6. In our experience, we've found that failure for a model to converge can often be a sign that something else is wrong with the model. As Ignacio Farias suggests, it is often helpful to turn packages on and off to help with trouble shooting. Because your model converges when BUY is off, I'd suggest that you take a close look at the density settings (such as drhodc, crhoref, denseref) to make sure that the relation between solute concentration and fluid density is correct for your problem.
Good luck!