Main panel as a sub panel

Home Inspectors are not always experts in one particular trade. Sounds like it's time to have a licenced electrician look at the main.

Thanks for the reply. I do not see separate buss bars and see both neutral and ground wires attached to the only buss I see. My question, at this point, is this a danger or a concern for some other reason?

The inspector is correct. If your service comes in from the utility and goes to a Main Breaker enclosure and that breaker then supplies a Sub-Panel where your branch circuit breakers are located, the Service Neutral should be bonded at the Main Breaker enclosure and not bonded at the sub-panel. If you bond the neutral to the enclosure (ground) at the sub-panel you create a parallel path for current returning on the branch circuit neutrals (GCC) and the Ground conductor between the Main and the Sub-Panel. The Ground Conductor is not a circuit conductor and should only carry fault-current to allow the Main to Trip. You should correct the bond( between Neutral and Ground) connections so they are together at the Main and separated at the sub-panel. There is current returning on grounded surfaces which can create a serious shock hazard.