This is from the wiki in case you didn't check.

Stuck "Checking name and gold world pass" then error FFXI-3113
Cause: Your character name is already taken on the server
Fix: Re-launch the game. Use a new name. You must relaunch the game if you get stuck on this error. All subsequent attempts to use the same name will get stuck at this point until you re-launch the game.
Cause: You took to long creating your character.
Fix: Re-launch the game and re-create it. Now that you know what to do, it should be quick.