What do you think of near death experiences of hell?

I've heard stories of people who almost died/were pronounced dead for a short amount of time n than came back to life. They said they seen hell, or at least what they perceived at hell. I feel that more than likely it's just in their head. If the Bible is true no one is in hell yet so it'd be impossible to see it/see people suffering there. Because doesn't the Bible say that when the finale judgement comes in the end times God will judge not only all the humans alive at that time but all the humans that have already passed. So technically no one is in hell yet according to the Bible.