R.R.
As for the whining I have always told my guy I can't understand him when he whines, that he needs to use his words and I walk away or act disinterested if he continues to whine. Whining gets nothing from me, only clear words (to the best of his ability) gets him what he wants and that seems to prompt him to try to make himself understood. Once you have your daughter's speech evaluated you will know more and can then ask for advice in how to help her communicate best, even if she's just resisting telling you.
As for telling me he needed or needs to poop, he usually didn't or doesn't. He's been trained awhile, and I learned when i saw him go to hide or make a face to get him (now I tell him to go) to the toilet. Hiding is pretty normal, many children refuse to use the potty with another person in the room or nearby vicinity, they know they're doing something private and don't want to share it with the world, being disciplined for an accident doesn't necessarily bring hiding on. So YOU need to take notice for the time being, or keep rinsing her undies.
To make it easier for him to go independently we have always used a stool for him to climb up and down from the toilet. I think me expecting him to tell me (though he's very verbal) he had to go made him self-conscious so I put the responsibility of him getting to the toilet on him. Once he COULD do it on his own without involving me (except for clean-up assistance) he wasn't hiding anymore.
And, he was a poop holder, would hold it for days, so I went on the site:
http://www.rogerknapp.com/medical/pottytrainingrefusals.htm
which taught me about a "power incentive" ~ the incentive that works for YOUR child to use the potty/toilet. He was literally running to go poop on his own in just a little over a day after I introduced his power incentive, so check the site out for ideas that may help you to help your daughter.