diff --git a/app/models/provider/openai/auto_categorizer.rb b/app/models/provider/openai/auto_categorizer.rb
index 1d369e4f3..36cdf80bf 100644
--- a/app/models/provider/openai/auto_categorizer.rb
+++ b/app/models/provider/openai/auto_categorizer.rb
@@ -534,7 +534,8 @@ class Provider::Openai::AutoCategorizer
     # Format transactions in a simpler, more readable way for smaller LLMs
     def format_transactions_simply
       transactions.map do |t|
-        "- ID: #{t[:id]}, Amount: #{t[:amount]}, Type: #{t[:classification]}, Description: \"#{t[:description]}\""
+        description = t[:description].presence || t[:merchant].presence || ""
+        "- ID: #{t[:id]}, Amount: #{t[:amount]}, Type: #{t[:classification]}, Description: \"#{description}\""
       end.join("\n")
     end
 end
diff --git a/app/models/provider/openai/auto_merchant_detector.rb b/app/models/provider/openai/auto_merchant_detector.rb
index 3de15709d..a64dc17fa 100644
--- a/app/models/provider/openai/auto_merchant_detector.rb
+++ b/app/models/provider/openai/auto_merchant_detector.rb
@@ -491,7 +491,9 @@ class Provider::Openai::AutoMerchantDetector
     # Format transactions in a simpler, more readable way for smaller LLMs
     def format_transactions_simply
       transactions.map do |t|
-        "- ID: #{t[:id]}, Description: \"#{t[:name] || t[:description]}\""
+        parts = [ t[:merchant], t[:description] ].compact.reject(&:blank?)
+        combined = parts.join(" - ")
+        "- ID: #{t[:id]}, Description: \"#{combined}\""
       end.join("\n")
     end
 end
diff --git a/app/views/transactions/_transaction.html.erb b/app/views/transactions/_transaction.html.erb
index f96064401..ec89bb308 100644
--- a/app/views/transactions/_transaction.html.erb
+++ b/app/views/transactions/_transaction.html.erb
@@ -80,7 +80,7 @@
 
                     <%# Pending indicator %>
                     <% if transaction.pending? %>
-                      <span class="inline-flex items-center gap-1 text-xs font-medium rounded-full px-1.5 py-0.5 border border-secondary text-secondary" title="<%= t('transactions.transaction.pending_tooltip') %>">
+                      <span class="inline-flex items-center gap-1 text-xs font-medium rounded-full px-1.5 py-0.5 border border-secondary text-secondary" title="<%= t("transactions.transaction.pending_tooltip") %>">
                         <%= icon "clock", size: "sm", color: "current" %>
                         <%= t("transactions.transaction.pending") %>
                       </span>
@@ -89,12 +89,12 @@
                     <%# Potential duplicate indicator - different styling for low vs medium confidence %>
                     <% if transaction.has_potential_duplicate? %>
                       <% if transaction.low_confidence_duplicate? %>
-                        <span class="inline-flex items-center gap-1 text-xs font-medium rounded-full px-1.5 py-0.5 border border-secondary bg-surface-inset text-secondary" title="<%= t('transactions.transaction.review_recommended_tooltip') %>">
+                        <span class="inline-flex items-center gap-1 text-xs font-medium rounded-full px-1.5 py-0.5 border border-secondary bg-surface-inset text-secondary" title="<%= t("transactions.transaction.review_recommended_tooltip") %>">
                           <%= icon "help-circle", size: "sm", color: "current" %>
                           <%= t("transactions.transaction.review_recommended") %>
                         </span>
                       <% else %>
-                        <span class="inline-flex items-center gap-1 text-xs font-medium rounded-full px-1.5 py-0.5 border border-warning bg-warning/10 text-warning" title="<%= t('transactions.transaction.potential_duplicate_tooltip') %>">
+                        <span class="inline-flex items-center gap-1 text-xs font-medium rounded-full px-1.5 py-0.5 border border-warning bg-warning/10 text-warning" title="<%= t("transactions.transaction.potential_duplicate_tooltip") %>">
                           <%= icon "alert-triangle", size: "sm", color: "current" %>
                           <%= t("transactions.transaction.possible_duplicate") %>
                         </span>
diff --git a/app/views/transactions/show.html.erb b/app/views/transactions/show.html.erb
index 029d1f183..0b6397494 100644
--- a/app/views/transactions/show.html.erb
+++ b/app/views/transactions/show.html.erb
@@ -21,7 +21,7 @@
                     <p class="text-sm font-medium text-primary"><%= potential_match.name %></p>
                     <p class="text-xs text-secondary"><%= potential_match.date.strftime("%b %d, %Y") %> • <%= potential_match.account.name %></p>
                   </div>
-                  <p class="text-sm font-medium <%= potential_match.amount.negative? ? 'text-green-600' : 'text-primary' %>">
+                  <p class="text-sm font-medium <%= potential_match.amount.negative? ? "text-green-600" : "text-primary" %>">
                     <%= format_money(-potential_match.amount_money) %>
                   </p>
                 </div>