Running out of names? Not remotely close.
First off, Wikipedia is your friend here, and all you need to do is (for example) pull up a list of provinces of Moldova. Hm, I see on this page a list of all the municipalities down to the village level, all 1681 of them. Must be able to find some interesting names to call that random village in the middle of nowhere. I think I'll call it Vranesti (a teensy village on the Romanian border, as it happens).
Beyond that, look. English language naming conventions are pretty simple: so many placenames are composites. My area seems to have an obsession with “-field,” for instance: Greenfield, Springfield, Northfield, Westfield, Deerfield, Ashfield, Pittsfield, Hatfield, Sheffield, Brimfield, Sandisfield, Plainfield, Middlefield, Enfield, Suffield, they’re all municipalities. † (Heck, for all I know, Vranesti means “Eastfield” in Romanian.)
A number of random name generators you can find on the Internet will throw such composites at you, but you can do it yourself. Just close your eyes, turn around, point outward, open your eyes. What are you pointing at? Great, do it again. There’s your composite name. “Blueblanket,” alright, fair enough. I missed pointing at my cat by inches. The village of Bluecat? Okay. Not exotic enough? Fair enough, let's let Google Translate render "Bluecat" into Romanian, say: "Pisica Albastra."
Want a different route? You have famous people in your gameworld, right? Name something after them. There are towns near me named for renowned Colonial and RevWar figures: Washington, Amherst, Otis, Monroe, Hancock, Adams, Boylston, Warren, Webster. Some enterprising Aquilonian colonists must have founded a “Conanburg” or three, and I bet Gondor has a “Bagginstown” by now.
For people? For starters, I don't feel the need to come up with a unique name for every NPC I've ever created. I’ve made up, as is the case in the real world, a list of common names, both female and male, and at this point I've got variant lists for different cultures. About five or six names in each list are the very common ones that are my world's equivalent of "Joe" and "Mary," 25 are pretty common, 70-75 are uncommon, and about 150 are unusual but not unheard of – the moral equivalent of "Xavier" or "Clarinda." I keep a chart where if I use a name as a throwaway during a session, I rotate between the four sections, then strike it out ... obviously, I have multiple lines through Columns A and B!
(The practice has given rise to a catchphrase: "Nath, Naghan, Larghos and Ortyg," being among the most common male names in my world, has come to mean a bunch of faceless mooks.)
Yes, this means that long-term players encounter the same name for key people more than once, but I don't think they're entitled to find this any more jarring than that they happen to know multiple people -- or have multiple relatives -- named "Anne" or "Bob." It certainly isn't any weirder than that the lead long-term characters of my first and second wives are named "Elena" and "Elaina" respectively, and that the character of my IC-fiancee in a LARP was “Elana.” Seriously. You can’t make this stuff up.
Surnames? If you need them, you've got various routes. You already have your given names down, right? So there are patronymics: Verella Elainasdaughter. Pick a half dozen clans for that local village, and your NPC is from one: Verella Waflo. Or a descriptive English composite from above: Verella Goldhand. Or else a geographic name: Verella of Redwave. Or an occupational name: Verella Smith (well, her father is one of the world's best armourers, at least). Short of "Verella Hey You," that covers the bases.
Finally, just pick up a foreign dictionary. I've had Finnish:English, Sanskrit:English and Gaelic:English ones for decades for just this purpose. I don't even worry about finding the meaning of a word. Hm, I think I'll call this rare find the "Tome of Sellainen." And this is so much easier now with the Internet – no need to BUY a book for the purpose.
† - None of these are as much as 45 minutes drive from where I sit. Some are in the Berkshires, on mountainsides ... seriously?