[svn] Subversion ignoring "--password" and "--username" options

I had this same issue and solved it by setting up my ~/.ssh/config file to explicitly use the correct username (i.e. the one you use to login to the server, not your local machine). So, for example:

Host server.hostname
  User username

I found this blog post helpful: http://www.highlevelbits.com/2007/04/svn-over-ssh-prompts-for-wrong-username.html