Make referencing an included item trigger eager loading

activerecord/lib/active_record/relation.rb

@@ -521,7 +521,8 @@ def references_eager_loaded_tables?
       # always convert table names to downcase as in Oracle quoted table names are in uppercase
       joined_tables = joined_tables.flatten.compact.map { |t| t.downcase }.uniq
 
-      (tables_in_string(to_sql) - joined_tables).any?
+      (tables_in_string(to_sql) - joined_tables).any? ||
+      (includes_values & references_values).any?
     end
 
     def tables_in_string(string)

activerecord/test/cases/relations_test.rb

@@ -1164,4 +1164,15 @@ def test_uniq
     end
     assert_equal ['Foo', 'Foo'], query.uniq(true).uniq(false).map(&:name)
   end
+
+  def test_references_triggers_eager_loading
+    scope = Post.includes(:comments)
+    assert !scope.eager_loading?
+    assert scope.references(:comments).eager_loading?
+  end
+
+  def test_references_doesnt_trigger_eager_loading_if_reference_not_included
+    scope = Post.references(:comments)
+    assert !scope.eager_loading?
+  end
 end