had finished
Tom oyó que Mary y John habían terminado.
Tom heard that Mary and John had broken up.
Aquella tarde ella le dijo que habían terminado.
That afternoon she told him that they had broken up.
— It's Such a Beautiful Day (2012)
Creí que ustedes habían terminado.
I thought you guys were done.
Ya habían terminado el trabajo.
They had already finished the job.
Para cuando llegué a casa ya se habían terminado la tarta.
By the time I got home, they had already finished the cake.