That's one of the issues with those circuit finders. If wires are too close together - and particularly if they're wrapped around each other - that can influence the readings.
How old is the house - or the panel if it has been updated? There should be an inspection sticker on the panel showing when it was approved for service.
Like
@WarDamnEagle asks, did you pull the cover? I'd be somewhat surprised if there are a bunch of breakers just sitting in the panel that aren't wired to anything. If there are wires from the breakers going out
somewhere and you can't figure out where, it would be best to keep those breakers off until you (or an electrician) can verify where those wires are going.
I'd definitely call in an electrician with what you're saying about the generator. It sounds like it is good that there isn't one currently. Without a proper transfer switch, you can potentially backfeed into the grid. If you’re using a generator without a proper transfer switch and the main power comes back on, there are then two sources feeding your home. This surge can cause problems in the line, which may put utility workers at risk. It can also potentially cause a fire in your home.