Distracting Phone Noises

I am hearing all kinds of like my client at the other end of the line, is vacuuming, cooking, hammering, running water, spraying a high pressure hose.
She claims it is not her, and does not know what I am talking about… does not hear it.

Sometimes I KNOW her family is making noise, barking dog and hubby on two way radio. But other times I really don’t think it is her.

Last week somebody else, a very quiet demure person, said the noises I had asked about were FROM MY END!

And a friend who always saying how he loves his new cheap, ear pods, with him, I hear every little background sound - he does not know what to do to stop that.

My phone is the iPhone 12 Pro Max

Does anyone have any thoughts or having a similar situation…?
The background booms and calamity overpower the person’s strong voice.
At first I thought it was having a few computers on, with Bluetooth.
But I have the same results with them off.

I believe I had addressed the various parameters in the software… (DIYer) to lesson sudden non speech noise, etc, when streaming.

Suffering from tinnitus?

Would be good to know what hearing aids you’re wearing!

Phonak Spheres are the hearing aids I am using.
And I have never had, nor have any Tinnitus.
The sounds are only heard on the phone when in a conversation on the phone.
Not using the phone for YouTube, or anything else.

Any ideas ?