When riding a horse or in a minecart, the server doesn't detect the player. It only detects the entity or object in which the player is using. What happens is when riding a horse the chunks are blank and it freezes and the same goes for the minecart.
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Dupe of MC-89915
In the first screenshot my horse is frozen in the mid jump position because the chunks in front of me didn't load. So I had to disconnect from the server and get back in. The chunks were there until I traveled further and were gone like in screenshot two. The third one is showing the chunks loaded because I had to disconnect and get back into the game. Just thought I would let you know what is going here. Please get this fixed as soon as you are able. Thanks