Tree with large leaves and tall white flowers. SE Michigan.

Horse Chestnut, as already explained. In the UK they're commonly referred to as 'Conker' trees. The 'Conker' is the seed from the spikey seed pods that adorn the tree in the autumn. 'Conkers' was the thing to play when I was a kid. We'd pick the conkers off the floor or throw sticks up into the tree to knock the pods down. We'd collect hundreds of conker each and then use a skewer or knitting needle to make a hole in the conker, then thread some string and start playing. The idea is to dangle your conker whilst your friend has one attempt to swing their conker and hit yours, then it's your turn to take a swipe at theirs.

The game continues until one conker breaks and one survives. The winning conker is known as a 'Oner' as it has beaten one conker. If that winning conker is then beaten by another the win is inherited, so the winning conker is instead known as a 'Twoer', and so on. A phenonlmenal conker may be a 'Niner' or a 'Tenner' before the toll of hits gets too much and it breaks apart.

Chestnut 🌰