I think we should stick with this, because Belle is quite clearly in Future. Maybe the way you're looking at Future vs. Present is causing you difficulties here.
(And I realize you may not have had a chance to respond to my last post about what's OS vs. MC, since we kind of cross-posted.)
The Future creating conflict doesn't require the ACTUAL future to create conflict. It doesn't have to be an actual plan, or a "solid future creating problems" like you said. It can be, simply, that Belle desires some future other than the path she seems to be stuck on.
Another way to put it, Belle lacks a future. Being stuck in the town denies her a fulfilling future. (Yes she lacks a future right now, but that's still Future, not Present.)
Present vs. Future isn't about when people are mean. It's about what part of your life it affects. Present would be if they were so mean and prejudiced to her that she couldn't bear it, every day was like torture and she was always struggling to just get through the current predicament. Torture, though often an exaggeration, is a great way to think of Present problems.
But Belle's present life in town is mostly fine, she still gets to read her books, spend time with her dad (before he gets kidnapped, but that's bringing in other throughlines).
Or when she's the Beast's prisoner, there's maybe a period of difficult present circumstances (and maybe a signpost of Present there somewhere), but overall her captivity is not unbearable. She's not starving or chained to a wall or in constant fear; she's asked to "Be Our Guest" and given beautiful clothes and ten-course meals.