Por que ao implementar o to String no main ele não retorna o nome do cliente e somente a referência?

package com.company;

import com.sun.xml.internal.ws.api.model.wsdl.WSDLOutput;
import sun.security.acl.AclEntryImpl;

import java.awt.*;

public class Main<println> {

    public static void main(String[] args) {
        Client gustavo = new Client();
        gustavo.setName("Gustavo  Oliveira");
        gustavo.setCpf("99999999999");
        gustavo.setOccupation("software engineering");

        Account gustavoAccount = new Account();
        gustavoAccount.deposit(1000);

        gustavoAccount.setHolder(gustavo);
        System.out.println(gustavoAccount.getHolder());
        System.out.println(gustavoAccount.toString());

        Account camilaAccount = new Account();
        Client camila = new Client();
        camila.setName("Camila Nunes");
        camilaAccount.setHolder(camila);

        System.out.println(camila);
        System.out.println(camilaAccount.getHolder());
        System.out.println(camilaAccount.toString());
    }

}

package com.company;

public class Client {
    private String name;
    private String cpf;
    private String occupation;

    public Client() {

    }

    public String getName() {
        return name;
    }

    public void setName(String name) {
        this.name = name;
    }

    public String getCpf() {
        return cpf;
    }

    public void setCpf(String cpf) {
        this.cpf = cpf;
    }

    public String getOccupation() {
        return occupation;
    }

    public void setOccupation(String occupation) {
        this.occupation = occupation;
    }
}

package com.company;

public class Account {
    private double balance;
    private int agency;
    private int accountNumber;
    private Client holder;

    public Account() {
        this.balance = balance;
        this.agency = agency;
        this.accountNumber = accountNumber;
        this.holder = holder;
    }

    @Override
    public String toString() {
        return "Account{" +
                "balance=" + balance +
                ", agency=" + agency +
                ", accountNumber=" + accountNumber +
                ", holder=" + holder +
                '}';
    }

    public void deposit(double value){
        if (value > 0){
            this.balance += value;
        }
    }

    public void withdraw(double value){
        if (this.balance >= value){
            this.balance -= value;
        }
    }

    public boolean transfer(double value, Account destinyAccount){
        if (this.balance >= value){
            this.withdraw(value);
            destinyAccount.deposit(value);
            return true;
        }
            return false;
    }

    public double getBalance() {
        return balance;
    }

    public int getAgency() {
        return agency;
    }

    public int getAccountNumber() {
        return accountNumber;
    }

    public Client getHolder() {
        return holder;
    }

    public void setHolder(Client holder){
        this.holder =holder;
    }
}