The term 'HOLDS A GRUDGE AGAINST' can be summarized by two crossword solutions: RESENTS (7 letters) and HASITINFOR (10 letters). This phrase is used to describe a person who has a strong feeling of resentment or bitterness towards someone else, usually due to a past wrong or injustice. It implies that the person has not forgotten the incident and continues to feel animosity towards the other person.