There may be a caterpillar inside the fruit. I would pull and squish to keep it from damaging other fruit or the plant itself.

i am going to have to task someone to cutting the tomato open to look for the worm. i'm such a wimp. thanks guys.

It could be the early stage of EBR.

I had the EXACT same thing happen with mine this fall. I cut them open and nothing. no worms... just a perfectly circular hole bored out in my roma tomatoes. First it was just the one hole and then 2 days later it had 3 holes in it, and so did his little neighbors!

Did you ever find out what the cause was? I really want to stop it before it progresses any worse.

It appears to be a form of cat-facing. Exact cause is hard to affix. It could be cold weather during pollination, possibly thrip initiated, or simply a genetic flaw. There is some suggestion that over pruning, particularly if dead-heading growing tips, reduces an essential nutrient component. I have found no problem in eating other than the desire to remove the disfigured segment.

Select varieties less prone to cat-facing.

I had no idea what cat-facing was, thank you for the suggestion. Of all the pics that i looked up on it they seem to show deformity and lines connecting the holes. Mine does not show this. the holes are very clean and in no way deformed...
{{gwi:81909}}
But it the weather might have dipped down during pollination, which would contribute to it. Read that it can also be caused by high nitrogen and stink bugs as well. I'm using 18-18-21 on it and I have seen a few stink bugs around. I'm just not completely convinced its catfacing atm. I'm glad to be informed about it now at the very least, and I'll keep watching for more signs of it (but hopefully they won't keep happening!).

That's fruit worm damage. The caterpillar has already left the fruit.

I found the culprit. It is a caterpillar. It was suggested to use 2 Tbls Tabasco to 1 Liter of Water. I am going to try it because there is other damage evident on leaves of my tomato plants.