Seamounts don’t give off active emissions (except maybe if they are erupting), and subs usually use passive hydrophones (which rely on the active emissions of targets), not active sensors when operating underwater to avoid detection.
Navigation is done by charts using inertial navigation alongside dead reckoning. Hitting a mountain is generally because the mountain wasn't on the chart being used, though in principle in could also be due to an error in positioning (with inertial navigation, that should be much rarer than with dead recknoning alone, but its not impossible.) (In the case of the San Francisco, for instance, other charts had a notation of "discolored water" which suggested a probable seamount, which the investigation noted should have been transferred to the chart in use, but was not.)
> Are light, radar, and sonar still not enough to detect obstacles that big?
Radar is useless underwater, light would also be useless for spotting anything in time to react at speed, and sonar isn’t routinely used because it compromises stealth.